Fin-201-Personal-Finance (1).docx

RAMON MAGSAYSAY MEMORIAL COLLEGES
College of Business Education
Pioneer Avenue, General Santos City
Document Type: Document No.: DAP-03-08-
Instructional Materials Issue No.: 001 , s. 2019 Revision No.: 01
Document Title: Effective Date:
Syllabus Page 1
VISION
RMMC is an institution of innovative development and excellence.
MISSION
RMMC is committed to realize human potentials through holistic education.
GOALS AND OBJECTIVES
1. Provide holistic academic programs aligned with industry needs and
standards.
2. Create, disseminate and utilize researches for the benefit of the
community.
3. Establish a highly visible community outreach program.
4. Collaborate with working networks, linkages and consortia.
CORE VALUES
1. Love of God 2. Integrity 3. Patriotism 4. Service 5. Excellence
INSTITUTIONAL GRADUATE ATTRIBUTES INSTITUTIONAL LEARNING OUTCOMES (ILO)
1. Critical and Creative Thinker a. Employ principles and procedures in solving
problems.
b. Generate solutions in addressing real-life
challenges.
2. Effective Communicator c. Exhibit competencies in verbal, non-verbal,
visual and written communication in various
professional endeavours in global context.
3. Reflective and innovative lifelong
learner
d. Demonstrate moral and ethical standards.
e. Innovate ideas in making life-long decisions.
4. Patriotic and Service-oriented citizen f. Promote nationalism and volunteerism to
protect the interest of the nation.
g. Engage in community extension and
outreach programs.
5. Proactive Leader h. Manifest visionary leadership with integrity
in building a better nation.
Program Learning Outcomes (PLO) V M
ILO
a b c d e f g h
The graduates of the program are expected to become:
a. Demonstrate socially responsible leadership and ethical business practices. ∕ ∕ ∕
b. Communicate clearly and effectively in oral and written forms. ∕
c. Analyze business operations and innovate strategic business management. ∕ ∕ ∕
d. Apply principles and procedures of different management functions to critically and
analytically derive to a sound decision-making ∕ ∕
e. Promote Filipino culture and demonstrate the value of volunteerism. ∕ ∕

Syllabus Page 2
Course Learning Outcomes (CLO)
PLO
a b c d e f g h
Knowledge
1. Explain how a person should value money. / /
2. Define what financial success really means to a person. / /
3. Identify different financial institutions that best fit for lending and saving. /
4. Analyze how identity theft occurs and determine strategies to protect yourself against it. /
5. Evaluate different investment types that best fit for profit and to secure financial sustainability /
Skills
6. Develop a plan for achieving fiscally responsible, goal-based spending and saving. /
7. Compute time value of money. /
8. Target portfolio asset allocations geared to a personal finance life stage. /
9. Apply strategies to minimize liability. /
Values
10. Reflect on the importance of financial sustainability for life. / /
11. Realize how financial success helps the country and the economy. / /
COURSE DESCRIPTION
Personal Finance is a course designed to help students understand the impact of individual choices on occupational goals and future earnings potential. Topics
covered will include income, money management, spending and credit, as well as saving and investing. Students will design personal and household budgets,
simulate use of checking and savings accounts, demonstrate knowledge of finance, debt, and credit management, and evaluate and understand insurance and
taxes. This course will provide a foundational understanding for making informed personal financial decisions.
PRE-REQUISITE(S)
None

Syllabus Page 3
COURSE NUMBER
Fin 201
CREDIT UNIT
3
TIME ALLOTMENT
5 hours lecture every week
COURSE CONTENTS
Time
Frame
Course Learning
Outcome (CLO)
Course Content or
Topic
Topic Learning Outcome
(TLO)
Teaching Strategies or
Methodology
Assessment
Activity
Resources
P
R
E
L
I
M
18
hours
1
6
MONEY MATTERS:
VISION, MISSION
AND YOU
1. Evaluate your spending and saving habits
and define what financial success means
to you.
2. Develop a plan for achieving fiscally
responsible, goal-based spending and
saving.
3. Align your financial plan with your personal
goals.
4. Explore the different career choices that fit
your personal mission statement and
established goals.
Online Lecture
Online Worksheets
activity
Online Quizzes
Personal goal-
based spending
and saving
preparation
Walker,R. B.,& Walker,
K. P.(2017). Personal
Finance:Building Your
Future(Seconded.).

Syllabus Page 4
Time
Frame
Course Learning
Outcome (CLO)
Course Content or
Topic
(TLO)
Methodology
Assessment
Activity
Resources
P
R
E
L
I
M
18
hours
6
3
7
PLANNING AND
BUDGETING
FINANCIAL
INSTRUMENTS
AND INSTITUTIONS
TIME VALUE OF
MONEY
ONLINE
EXAMINATION
1. Analyze spending habit by using tools,
including spending journals and net worth
statements
2. Weigh the opportunity costs of purchases.
3. Adopt methods for saving money.
4. Construct a realistic budget that reflects
priorities and provides protection from
overspending.
1. Determine which bank are the best fit for
each personal finance life stage.
2. Manage efficiently the checking and share
draft accounts.
3. Evaluate financial institutions and account
types to determine which best meet your
need.
1. Explain how paper currency gets value and
how the distribution is managed.
2. Compute annual percentage yields from
simple and compound interest rates.
3. Understand the value of paying yourself first.
4. Calculate the future and present value of
lump sums and annuities.
5. Apply the knowledge in achieving your
financial goals.
Online Lecture
Online Problem Solving
Online Lecture
Online topic assignment
Online Lecture
Online Problem Solving
Personal
budget
preparation
Online Quizzes
Online
Research: List
of bank
accounts
suitable for
students
Online Quizzes
Online
examination
output
Walker, R. B., & Walker,
K. P. (2017). Personal
Finance: Building Your
Future (Second ed.).
https://www.youtube.c
om/watch?v=wlF2VB02
evI
Future(Seconded.).
om/watch?v=tDHwUh
8fbsQ
Future(Seconded.).
om/watch?v=m3azU7
gYHc0

Syllabus Page 5
Time
Frame
Course Learning
Outcome (CLO)
Course Content or
Topic
(TLO)
Methodology
Assessment
Activity Resources
M
I
D
T
E
R
M
18
hours
3
4
CONSUMER
CREDIT:CREDIT
CARDS AND
STUDENT LOAN
CREDIT BUREAU
REPORTS AND
IDENTITY THEFT
1. Explain the responsibilities, importance, and costof
credit, as well as the options available for accessing
credit.
2. Evaluate the features, benefits, and disadvantages
of many different types of credit cards.
3. Describe the mechanics of obtaining and repaying
student loans
4. Assess the drawbacks and benefits of payday
loans, title loans, and rent-to-own credit options and
identify alternatives.
1. Examine the importance of credit and understand
how to establish personal credit.
2. Describe the information on a credit report
3. Explore options for correcting errors on your credit
report.
4. Analyze how identity theft occurs and determine
strategies to protect yourself against it.
5. Employ steps to minimize credit risks and pivotal
points of financial life stages.
Online Lecture
Online problem solving
Online Lecture
Online
Quizzes
Online
Research:
List and
compare
Credit cards
benefits and
disadvantage
s offered in
the
Philippines
Online
Quizzes
Walker, R. B., &
Walker, K. P.
(2017). Personal
Finance: Building
Your Future
(Second ed.).
https://www.you
tube.com/watch
?v=wvEME8a9Li
Q
Walker, R. B., &
Walker, K. P.
(2017). Personal
Finance: Building
Your Future
(Second ed.).
https://www.you
tube.com/watch
?v=TUCwo3qX
wMY

Syllabus Page 6
Time
Frame
Course Learning
Outcome (CLO)
Course Content or
Topic
(TLO)
Methodology
Assessment
Activity
Resources
M
I
D
T
E
R
M
18
hours
3
9
9
AUTO AND HOME
LOANS
DEBT,
FORCLOSURE,
AND BANKRUPTCY
TAX MANAGEMENT
ONLINE
EXAMINATION
1. Recognize how to get the best deal when
purchasing a car and gain in understanding of the
loan process.
2. Compare buying versus renting a home and
evaluate which stage in life is the best to make this
investment.
3. Describe the steps involved in purchasing a home
and discuss the mortgage refinancing decision.
4. Explain how home equity loans are used and the
necessary precautions to take.
1. Recognize early warning signs of financial trouble.
2. Discover how life changes in spending habits
improve financial well-being.
3. Create a workable plan to become debt-free and
gain control of your finances.
4. Describeoptions for protecting your credit if you are
at risk of foreclosure.
5. Identify when bankruptcy is a viable option and
develop a plan to restore your credit.
1. Understand the purpose and impact of different
types of taxes.
2. Explore the logic, terms,and process of filing taxes.
3. Understand the different types of tax rates and
when to use them.
4. Analyze strategies to legally minimize tax liability.
Online Lecture
Online Lecture
Online Lecture
Online
Quizzes
Online
research: List
of car and
home loan
requirements
Online
Quizzes
Develop a
Personal
workable plan
to become
debt-free
Online
Quizzes
Online
examination
output
Walker, R. B., &
Walker, K. P.
(2017). Personal
Finance: Building
Your Future
(Second ed.).
https://www.you
tube.com/watch
?v=EKsE--nSTQk
https://www.you
tube.com/watch
?v=CL2Aq7I8N
_o
https://www.you
tube.com/watch
?v=h8jF-
DBD2ZI

Syllabus Page 7
Time
Frame
Course Learning
Outcome (CLO)
Course Content or
Topic
(TLO)
Methodology
Assessment
Activity
Resources
F
I
N
A
L
18
hours
3
5
8
5
8
INSURANCE:
COVERING YOUR
ASSETS
INVESTMENT
BASICS
REAL ESTATE
INVESTMENTS
1. Understand the basics of insurance.
2. Identify the proper insurance coverage for your
vehicle.
3. Determine the proper insurance coverage for your
home or apartment.
4. Assess which type of health insurance best meets
your needs.
5. Determine when disability and long-term care
insurance is right for you.
6. Manage the type and amount of life insurance you
need as your responsibilities grow.
1. Distinguish between savings and investments
2. Analyze the risk and return on varying investment
products.
3. Identify the hierarchical of the investment pyramid.
4. Strategize options for varying your investments
5. Target portfolio asset allocations geared to a
personal finance life stage.
1. Understand the different types of real estate
investments.
2. Contemplate the benefits and drawbacks of owning
rental property.
3. Discover how to grow a real estate portfolio through
real estate investment trusts.
4. Evaluate the risks and returns involved in short-
term real estate investments.
Online Lecture
Online Lecture
Online Lecture
Online
Quizzes
Case analysis
Online
Quizzes
Capital
Budgeting
Criteria
application
Online
Quizzes
Walker,R. B.,&
Walker,K.P.
(2017). Personal
Finance:Building
Your Future
(Seconded.).
https://www.you
tube.com/watch
?v=a4JjRnJbfaI
https://www.you
tube.com/watch
?v=hE2NsJGpEq4
https://www.you
tube.com/watch
?v=rq48nm-
vOV0

Syllabus Page 8
Time
Frame
Course Learning
Outcome (CLO)
Course Content or
Topic
(TLO)
Methodology
Assessment
Activity
Resources
F
I
N
A
L
18
hours
10
10
11
RETIREMENT AND
ESTATE PLANNING
FINANCIAL
PLANNING FOR
LIFE
ONLINE
EXAMINATION
1. Recognize the benefits of retirement planning and
the importance starting early.
2. Grasp the importance of wills and advance
directives and learn how estate planning methods
can be used to transfer wealth.
3. Explore how charitable giving impacts tax liability.
1. Assess your financial plan against your values,
vision, and life goals.
2. Evaluate the sustainability of your financial plan,
because it is the key to your plan’s success.
3. Recognize the importance of evaluating the
progress toward your goal, as well as your goals’
proper fit, on an annual basis.
Online Lecture
Online Lecture
Online
Quizzes
Retirement
plan
preparation
Online
Quizzes
Online
examination
output
Walker,R. B.,&
Walker,K.P.
(2017). Personal
Finance:Building
Your Future
(Seconded.).
https://www.you
tube.com/watch
?v=xM37cD_YA
Ok
https://www.you
tube.com/watch
?v=iHmwYYHT
ddw

Syllabus Page 9
RUBRICS
Online Topic Presentation
Criteria Percentage
Content 20%
Mastery 30%
Visual Presentation 10%
Delivery 25%
Evaluation/ Validation 15%
Total 100%
Case Study
ITEM
Excellent
95-100%
Very Satisfactory
89-94%
Satisfactory
83-88
Needs Improvement
82 and Below
Identification of Main
Issues / Problems
Demonstrates an excellent
understanding of the main issues /
problems in the case
Demonstrates a very satisfactory
and accomplished understanding of
the issues / problems in the case
Demonstrates a satisfactory
understanding of some of the issues
/ problems in the case
Analysis and Evaluation
of Issues / Problems
Presents an insightful and thorough
analysis of all identified issues /
problems
Presents a thorough analysis of
most of the issues identified
Presents a superficial or incomplete
analysis of some of the identified
issues

Syllabus Page 10
Recommendations on
Effective Strategies
Supports diagnosis and opinions
with strong arguments and well-
documented evidence; presents a
balanced critical view; interpretation
is objective and reasonable
Supports diagnosis and opinions
with limited reasoning and
evidence; demonstrates little
engagement with ideas presented
Little or no action suggested and /or
inappropriate solutions proposed to
the issues in the case
Delivery
Demonstrate clear and logical
organization; effective introduction
and conclusion; creativity;
transitions between speakers; oral
communication
Demonstrate a clear presentation;
creativity; transition between
speakers but with occasional
grammar
Demonstrate lack of focus, poor
grammar and creativity
Total
CLASSROOM POLICIES
COURSE REQUIREMENTS
Students are required to do the following:
1. ATTENDANCE - Three consecutive absences will require students to secure an admission slip from the Program Director. If the Student incurred 20%
absences of the attendance for the whole term, the student will be given an NCA (No credit due to absences) even if the grade is above the passing rate of
75%.
2. PUNCTUALITY – students should attend the classes on time. Three consecutive tardiness is considered as one hour absence.
3. ACADEMIC HONESTY – Cheating during examination (quizzes and periodical) means zero score. Cheating, lying and other forms of unethical behavior
will not be tolerated. Any student found guilty of cheating in examinations or plagiarism in submitted course requirements wi ll receive an F or failure in the
course requirement.

Syllabus Page 11
4. WRITTEN EXAMINATION (PRELIM, MIDTERM and FINAL EXAMINATION as scheduled by the administration however a SPECIAL EXAMINATION is
given FIVE (5) DAYS after the scheduled examination.
5. COURSE ASSESSMENT
Aside from academic deficiency other grounds for a failing grades are:
 Grave misconduct and/or cheating during examinations.
 A failing academic standing and failure to take graded exams
6. EXPECTATION FROM STUDENTS
The students’ responsibility is to come to each class prepared. He/She is also expected to take examinations on the date scheduled. He/She should read
the assigned topics and problems prior to class. He /She is expected to attend each class and participate actively in the discussions
GRADING SYSTEM
PG=MG=PFG = CSx2 +E
3
FAG = PG+MG+PFG
3
CS = AA + AQ + R
3

Syllabus Page 12
REFERENCES
Anastacio,F.,Dacanay,R., & Aliling,L.(2011). Fundamentalsof FinancialManagementwith Industry-basedPerspective. Rex Bookstore.
Baddeley,M.(2019). BehavioralEconomicsandFinance(Seconded.).NewYork:Routledge.
Bodie,Z.,Marcus, A.,& Kane,A. (2017). Essentials of Investment(10thed.).McGraw Hill.
Brigham,E., & Houston,J.(2013). Fundamentalsof FinancialManagement (15thed.).Pennsylvania:Cengage learning.
BrionesSr., J. (2005). Credit andCollection Management:MadeEasy forFilipino College Students (Isted.).MandaluyongCity.
Brown,K.,Mayo, H., & Madura, J.(2017). CapitalMarkets(Seconded.).QuezonCity:MaxcorPublishing,Inc.
Cecchitti,S.G. (2017). Money,BankingandFinancialMarkets (6thed.).McGraw-Hill/Irwin.
Chew,D.H. (2008). CorporateRiskManagement. NewYork:ColumbiaBusinessSchool.
Frazer,L. M., & Ormiston,A.(2016). Understanding FinancialStatements (Elevened.).NewYork:PearsonHigherEd.
Gitman,L. (2015). Principles of ManagerialFinance(7thGlobal ed.).Canada:PearsonEducationLimited.
Graham, J.,& Smart,S. (2012). IntroductiontoFinancialManagement(3rded.).South-WesternCengage Learning.
Heizer,j.,& Render,B.(2014). OperationsManagement:SustainabilityandSupply ChainManagement (Eleventhed.).Courier/Kendalville:PearsonEducationLimited.
Hull,J.C. (2015). Risk ManagementandFinancialInstitution (Fourthed.).Hoboken,JewJersy:JohnWileyandSons,Inc.
Keown,A.J.,& Titman,S. (2015). Financial Management:PrinciplesandApplications (Twelve ed.).PearsonEducation.
Keown,A.J.,Martin,J., & Petty,W.(2014). Foundationof Finance:TheLogic andPractice of FinancialManagement (Eighted.).Pearson.
Medina,R. (2017). Money,Credit,andBanking (2nded.).Manila:Rex Bookstore.

Syllabus Page 13
Mercedes,L.M. (2009). Banking:Theory andPractice. Manila:Anvil,.
Pritchard,C. L. (2015). Risk Management:Conceptsand Guidance. BocaRaton,Florida:Taylor&Francis Group,LLC.
Rose,P.S. (2013). Money andCapitalMarkets:FinancialInstitutionsandInstrumentsinaGlobal Marketplace. NewYork:McGraw-Hill/Irwin.
Walker,R. B.,& Walker,K. P.(2017). PersonalFinance:BuildingYour Future(Seconded.).NewYork:McGraw-Hill Companies.
Prepared by: Reviewed by: Reference reviewed by: Noted by:
ARVIN T. GALIGAO, MBM ROEL D. JUEVESA, DM, CPA SALOME L. ROCACURVA, MLIS MYLENE M. TURCO, MBA
Date:_May 2020_________ Date: _ May 2020_________ Date: __ May 2020_______ Date: _May 2020_
Recommending Approval: Approved by:
GERALDINE D. RODRIGUEZ, Ed.D KRISTOFFER FRANZ MARI R. MILLADO, MA
Executive Director for Academic Affairs President
Date: _May 2020_________ Date: _May 2020_________

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